Another option if this is strictly for investment purposes, you could try to go DSCR. we have one lender that will allow for 1-4 units (inv. prop solely) who will go as low as 620 fico, but your LTV may be limited to, say, 70%. qualifying would be based on the rents received, not off your $100k income. there are options out there, keep working at it and get a 2nd opinion even on a full-doc loan. hope this was helpful to some degree!

I'd love to touch base off line perhaps meet for coffee out in Jtree 

He's based in the UK so he's not local to the markets he works in so you really need to vet their entire leadership and staff who manage the execution, not just the owner.

Hi Vishal, I'm based on Los Angeles and know some MTR/STR owners in Riverside county.

The property is based in Milwaukee, WI.

Will your returns drop? 

He's based out of Boiling Springs, but lives in Greenville.https://www.benmasoninsurance.com/

They will make him wish he had never been born :-)https://www.wikihow.com/Report-Employers-Who-Hire-Illegal-Im...Also, based on a recent thread regarding how pretty much anyone with a pulse and eyeballs can be a contractor in PA, I would bet there is no agency to report said contractor to with any teeth to suspend their said toilet paper license. 

@Jesse Edwards, I was just thinking, based on your original post, you should be talking with the building department to understand if there are any nuances in your jurisdiction.  

But some people do.As an agent, my team works with a lot of investors and based on experience we require OOS clients to meet with us in Milwaukee at least one time to check out neighborhoods in person.